(a) Discrimination. A creditor shall not discriminate against an
applicant on a prohibited basis regarding any aspect of a credit transaction.
(b) Discouragement. A creditor shall not make any oral or written statement, in advertising
or otherwise, to applicants or prospective applicants that would discourage
on a prohibited basis a reasonable person from making or pursuing
an application.
(c) Written
applications. A creditor shall take written applications for
the dwelling-related types of credit covered by section 202.13(a).
(d) Form of disclosures.
(1) General rule. A creditor that provides in writing any disclosures
or information required by this regulation must provide the disclosures
in a clear and conspicuous manner and, except for the disclosures required by
sections 202.5 and 202.13, in a form the applicant may retain.
(2)
Disclosures in electronic form. The disclosures
required by this part that are required to be given in writing may
be provided to the applicant in electronic form, subject to compliance
with the consumer consent and other applicable provisions of the Electronic
Signatures in Global and National Commerce Act (E-Sign Act) (15 USC
7001 et seq.). Where the disclosures under section
202.5(b)(1),
202.5(b)(2),
202.5(d)(1),
202.5(d)(2), 202.13, and
202.14(a)(2)(i) accompany an
application accessed by the applicant in electronic form, these disclosures
may be provided to the applicant in electronic form on or with the
application form, without regard to the consumer-consent or other
provisions of the E-Sign Act.
*(e) Foreign-language disclosures. Disclosures
may be made in languages other than English, provided they are available
in English upon request.
